Feeling bad about yourself won’t help your situation
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One of the first things that happens when you stop avoiding your debt and look it head on in an effort to fix it is an overwhelming feeling of guilt. You feel like you should have started sooner, done more when you could, wasted less money on worthless stuff when you were younger. You feel [...]
Know how much you spend
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Sounds easy, right? Just keep track of how much you spend every month. Well, for most people this can be an overwhelming task, because of the “little things” we don’t pay attention to. A candy bar here, a fast food meal there, these just slip through the cracks of budgeting and then when we find [...]
Life without credit cards using a savings account
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While credit cards seem to be an American staple, something that is seen as a “need” rather than a “want” – you don’t have to live on the roller coaster of credit if you don’t want to. A savings account is the best way to avoid the credit card trap. I know how difficult it [...]
If you need more money, consider a second job
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If you’ve already reduced your expenses as much as you possibly can, but still need more money to fix your finances, consider a second job. From blogging to a shift at Starbucks, there are many part-time opportunities that can help you get out of debt. Blogging From advertising that pays out depending on how many [...]
You only have two options
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When you’ve decided you need to get a handle on your finances, if you look to the television and radio you’ll hear people talk about getting rid of unnecessary expenditures. What if you are one of the milions of people who don’t have unnecessary expenditures? Most people consider cable TV and pizza necessary. But even [...]